What is RIA

As a Firm we fundamentally believe in the Registered Investment Advisor (RIA) model as it aligns the interest of advisors with that of our clients. Unlike some Brokers or broker/dealer firms, we are not paid a commission for securities trades or on the purchase of mutual funds for your account, which means, we have no incentive to generate high turnover in your investment accounts nor do we have an incentive to place you in high cost load mutual funds with sales charges. We do not receive brokerage fees or incentive fees from your custodian or brokerage firm to promote one investment over another.

In fact, given our fee structure, the incentive is to work with you to build a long-term, low turnover portfolio comprised of best of breed managed funds, low cost index funds or ETFs, with the possibility of more complex securities to hedge against volatility.

Some of our Professionals may be licensed to sell Life, Long Term Care or Disability insurance as well as certain types of fixed annuities and may be paid a commission in connection with the sale of these products. If so, the client will be informed of such and the recommendation will only be made if it is in the best interest of the client.

Likewise, as an RIA firm it is legally our fiduciary duty to do what is in the best interest of the client. This means that we have a fundamental obligation to act in the best interest of our clients when providing financial planning and investment advice.

We owe our clients a duty of loyalty and good faith and cannot engage in any activity in conflict with the interest of any client. This higher standard aligns us with our clients in pursuing their lifetime financial goals and objectives. Broker/dealers and other non-RIA firms may not have this fiduciary duty and are not necessarily legally bound to put your best interests first.

Our Professionals are highly trained and may hold several professional designations or licenses such as CPA, CFP® or CFA®. What do these designations stand for?

What is a CPA?

CPA – Represents the Certified Public Accountant designation and license to practice Public Accounting and is issued by each individual state Board of Public Accountancy. Candidates must meet the following requirements:

Bachelor’s degree in business from an accredited college or university

Complete additional 30 semester credit hours of accounting classes

3 years of full-time accounting experience

Continuing education requirement of 120 hours every 3 years

What is CFP®?

CFP® - The Certified Financial Planner(TM) designation is issued by the Certified Financial Planner Board of Standards, Inc. and Candidates must meet the following requirements:

Complete CFP® education program or fulfillment by other specified credential

Bachelor’s degree (or higher) from an accredited college or university

Pass CFP® certification exam

3 years of full-time personal financial planning experience

Continuing education requirement of 30 hours every 2 years

What is CFA?

CFA® - A professional designation awarded by the CFA Institute (formerly AIMR) that measures the competence and integrity of financial analysts. Candidates are required to pass three levels of exams covering areas such as accounting, economics, ethics, money management and security analysis. Candidates must meet the following requirements:

Pass CFA Program exam for Levels I, II, and III

4 years of qualified investment work experience

Continuing education requirement of 30 hours every 2 years

Follow the CFA Institute Code of Ethics and Standards of Professional Conduct

Be a regular member of CFA Institute and local CFA member society

Having professionals with these credentials helps you know you are working with individuals who have obtained a high level of training and expertise in the financial planning and investment field.

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Capital Advisory Group, Inc. (“CAG”) is an SEC registered investment adviser located in Dallas, Texas. CAG and its representatives are in compliance with the current filing requirements imposed upon SEC registered investment advisers by those states in which CAG maintains clients. CAG may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. CAG’sweb site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of CAG’s web site on the Internet should not be construed by any consumer and/or prospective client as CAG’ssolicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by CAG with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. A copy of CAG’s current written disclosure statement discussing CAG’s business operations, services, and fees is available from CAG upon written request. CAG does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to CAG web site or incorporated herein, and takes no responsibility therefore. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.